Enter the access code to continue.
The complete financial command center for individuals, households, and family trusts. Five financial layers. Full trust lifecycle management. AES-256-GCM encryption on every byte.
No subscription. No cloud. No compromise. And it does more than the ones that charge you.
Most finance apps give you a dashboard and a prayer. Nemorith gives you a vault, a stacking engine, a trust lifecycle manager, and the encryption to back it all up.
The same standard used to protect classified intelligence. Every byte of your vault — encrypted at rest, every time. PIN, biometric, and duress PIN with full panic wipe.
Solo, Household, and Trust vault tiers. QR invite system with role-based access. Seven member roles from Trustor to Observer. Sub-vaults for every member.
Flow. Position. Debt. Wealth. Protection. Not just categories — a complete operating system for your household’s financial life.
Full trust management from Revocable through Irrevocable, Succession, Legacy, and Continuance. Document vault. Conversion ceremony. Estate planning built in.
No accounts. No servers. No analytics. Your financial data is stored locally on your device and never transmitted anywhere. Sync between your own devices over your own local network.
No subscription tiers. No premium unlocks. No ads. No data harvesting. AGPL-3.0 licensed. Funded by the Ninth Star Foundation because this should exist for everyone.
Side by side. No spin. You decide.
| Capability | Monarch | Empower | Copilot | YNAB | Quicken | Nemorith |
|---|---|---|---|---|---|---|
| Budget tracking | Yes | Basic | Yes | Yes | Yes | Yes |
| Net worth tracking | Yes | Yes | Yes | Yes | Yes | Yes |
| Debt stacking engine | No | No | No | No | Basic | Avalanche / Snowball / Custom |
| Portfolio & rebalancer | View only | Advisory-gated | View only | No | View only | Full + drift analysis |
| FIRE calculator | No | Retirement planner | No | No | No | Lean / Regular / Fat / Coast |
| Insurance & estate planning | No | No | No | No | Basic | Full layer + estate readiness |
| Trust lifecycle management | No | No | No | No | No | 5-stage lifecycle |
| Multi-member household | Unlimited | Partner link | No | No | Limited | 7 roles + QR invite |
| Encrypted document vault | No | No | No | No | No | AES-256-GCM |
| End-to-end encryption | No | No | No | No | No | Everything encrypted |
| Your data stays on your device | Cloud only | Cloud only | Cloud only | Cloud only | Hybrid | Device-local storage |
| Open source | No | No | No | No | No | AGPL-3.0 |
| Price | $9.99/mo | Free* (sells advisory) | $14.99/mo | $14.99/mo | $5.99/mo | $0 — forever |
Five sovereign financial layers that cover every dimension of household finance. Nothing hidden behind a paywall.
Income, expenses, budgets, recurring transactions, subscriptions, charitable giving, spending trends, and bill calendar. The full picture of how money moves through your household.
Assets, liabilities, net worth tracking with historical charts, credit utilization monitoring, property management, and accounts overview. Where you stand — down to the cent.
Avalanche, snowball, or fully custom stacking strategies. Payoff timelines, interest savings projections, debt freedom countdown, and strategy comparison. Crush it systematically.
Portfolio holdings with gain/loss, allocation charts, drift-based rebalancer, FIRE tracker (four variants), retirement projections, dividend calendar, tax strategies, and investment watchlists.
Insurance inventory, coverage gap analysis, beneficiary audit across all accounts, estate planning with readiness scoring, and premium comparison. Defend what you’ve built.
We didn’t write a privacy policy and call it a day. We built the architecture so one isn’t needed.
Nemorith is built by the Ninth Star Foundation — the same team behind Finaxius, free financial education that uses your real numbers. Where Finaxius teaches, Nemorith protects. Both exist because we believe financial tools should serve people, not monetize them.
Every feature. Every layer. Every byte encrypted. Zero cost. Zero compromise.